Starting with the aerospace commemorative coin, the series of commemorative coins issued in recent years have been exchanged with the bank reservation, and it has indeed been lively for a while.
With the continuous accumulation of social wealth, many people have begun to pay attention to investment and collection, so in recent years, the collection value of commemorative coins and renminbi has also been magnified a lot. However, many people blindly follow the trend into the market without understanding collection, and this behavior is not advisable. Some commemorative coins and renminbi have a very limited collection value, which on the surface seems to be appreciating, but in fact it may lose money.
Why, let's first take a look at the appreciation of some renminbi and commemorative coins issued in the past.
The fourth set of RMB 100 notes issued in 1980 is currently priced at 185 yuan on a collection network, and the face value has appreciated by 85 yuan, an increase of 85%, but is this really earned?
Surely not, 42 years have passed since 1980, and how many times have prices risen during those 42 years? A professor at Peking University calculated that the wealth of 4 million yuan now is equivalent to 10,000 yuan of households 30 years ago, which means that prices have increased by 400 times in 30 years.
Therefore, collecting such a renminbi is completely worthless, and it is much more cost-effective to spend it in 1980 than to collect it for so many years.
The aerospace commemorative banknote issued in November 2015, we should be more familiar with it, the face value of 100 yuan, the initial speculation is particularly hot, the online price was quickly speculated to 160-180 yuan a piece, but the price fell back to 120 yuan in less than a month, and now the price of a collection online is only 101 yuan a piece. In fact, this price is difficult to sell, so I have to go to the bank branch to exchange it for ordinary 100 yuan.
The above two cases show that not all commemorative coins and renminbi have collection value, and blind collection is likely to outweigh the losses.
First of all, you need to pay a certain amount of money and time costs, such as the purchase of aerospace commemorative banknotes to have capital investment, but also through the online reservation, outlets queue up to pick up this process;
Secondly, you have to carefully collect these coins, and once the coins are lost and damaged, their value will be greatly reduced;
Third, if inflation is too high, the value of the collected coins will also shrink.
Of course, the appreciation potential of many commemorative coins and the renminbi is very large, but you need to have the ability to discern and go through certain research in advance. Some coins are best not to be overly sought after:
1. The circulation is too large
The long-term value of commemorative coins and renminbi is usually inversely proportional to their issuance, and the larger the issuance, the lower the value, such as the issuance of aerospace commemorative banknotes, and the future appreciation space is limited.
2. There is no unique theme
For commemorative coins, the theme is very important, such as the 2008 Olympic Games commemorative coins, the circulation is not large and the theme is strong, and the collection value will be relatively large.
3. The difference in products
There is nothing wrong with pursuing outward beauty, and if the coin looks ugly, everyone will not like it, so the appearance is also very important.
4, the increase is too large or there is a suspicion of speculation
If some coins have been speculated to sky-high prices, their room for continued rise will not be too large, and some coins have no characteristics but the price is very high, and their value is also questionable.